Wouldn’t it be nice if we could tell you the single best company in Tucson that has the cheapest coverage for 17 year olds? It’s not quite that easy, unfortunately, as there are a ton of unknown factors such as the miles you drive each year, your financial stability, the type of vehicle you drive, and if you want full coverage included, that help determine the price you have to pay. The content below will cover the best ways to shop for cheaper coverage and will give you a good beginning to your quest for cheaper car insurance in Tucson.
For teen drivers, one of the big components that aid in calculating the cost of insurance is your zip code. Cities with larger populations will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The following table shows the priciest cities in Arizona for 17 year olds to buy car insurance in. Tucson makes the list at #17 with a yearly cost of $1,072 for the average policyholder, which is around $89 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,185 |
| 5 | Mesa | $1,147 |
| 6 | Buckeye | $1,144 |
| 7 | Chandler | $1,126 |
| 8 | Goodyear | $1,120 |
| 9 | Gilbert | $1,120 |
| 10 | Scottsdale | $1,117 |
| 11 | Maricopa | $1,107 |
| 12 | Tempe | $1,106 |
| 13 | Peoria | $1,104 |
| 14 | Surprise | $1,090 |
| 15 | Casas Adobes | $1,082 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Tucson | $1,072 |
| 18 | Casa Grande | $1,057 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
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Annual rates are approximated as zip code location can raise or lower premiums greatly.
Finding out which company has the best insurance rates for 17 year olds will involve a little more work in order to find the lowest price. Every car insurance company has a unique formula for determining prices, so we need to take a look at the insurance companies that tend to have lower prices in Tucson.
It’s important that you understand Arizona insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, moving to a different location, or having an at-fault accident can produce rate changes resulting in some companies being affordable when they were higher priced.
Best Auto Insurance Prices for Teens
The Hartford has some of the lowest car insurance rates in Tucson at around $836 annually. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the lowest-priced Tucson, AZ insurance companies.
As depicted above, if you buy coverage from Travelers and switched to Auto-Owners, you may see a yearly savings of upwards of $220. Policyholders with USAA might save as much as $225 a year, and Progressive policyholders might see rate reductions of $242 a year.
Bear in mind that those prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for 17 year olds. So the insurer that can offer you the best rate may not even be in the top 28 companies shown above. That’s why you need to get auto insurance quotes using your own specific driver information and vehicle.
The vehicle model requiring coverage is one of the biggest factors when consumers are trying to find the most affordable coverage for 17 year olds. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The data below ranks coverage premiums for a selection of the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,626 |
| Honda CR-V LX 2WD | $4,633 |
| Honda Accord LX-P 4-Dr Sedan | $4,626 |
| Toyota Prius | $5,009 |
| Honda Odyssey LX | $5,147 |
| Ford F-150 XLT Super Cab 2WD | $5,192 |
| Ford Edge SEL AWD | $5,439 |
| Ford Focus S 4-Dr Sedan | $5,444 |
| Chevrolet Impala LT | $5,484 |
| Toyota RAV4 Sport 4WD | $5,494 |
| GMC Sierra SLE Regular Cab 2WD | $5,484 |
| Toyota Camry LE | $5,492 |
| Chevrolet Malibu LT | $5,530 |
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Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific Tucson, AZ garaging location which can change insurance rates significantly.
Looking at the data, you can conclude that makes and models like the Ford Escape, Honda CR-V, and Honda Accord are the most budget-friendly vehicles to insure for teen drivers. Car insurance rates will tend to be more expensive just because there is more inherent risk for 17 year olds, but generally speaking those models will have the cheapest rates that you are likely to find.
Cost difference between full coverage and liability
Finding the cheapest insurance should be important to the majority of vehicle owners, and an effective way to find cheap insurance for 17 year olds is to not buy comprehensive and collision coverage. The example below compares car insurance rates with and without physical damage coverage. The prices are based on a clean driving record, no claims, $100 deductibles, single status, and no additional discounts are factored in.
If averaged for all ages, full coverage costs an extra $1,722 per year more than just buying liability only. That amount may make you wonder if paying for full coverage is worth it. There isn’t a steadfast formula for eliminating physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
There are some circumstances where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Types of discounts on Tucson car insurance rates
Car insurance companies that offer coverage for 17 year olds may also give you special discounts that can lower rates by 25% or more if you meet specific eligibility requirements. Larger insurance companies and their offered discounts are shown below.
- State Farm has savings for driver’s education, anti-theft, good student, defensive driving training, and student away at school.
- Liberty Mutual may include discounts for multi-policy, teen driver discount, preferred payment discount, new move discount, good student, newly retired, and new vehicle discount.
- American Family discounts include bundled insurance, Steer into Savings, defensive driver, mySafetyValet, and accident-free.
- Progressive offers discounts including multi-vehicle, online quote discount, homeowner, online signing, good student, and multi-policy.
- Farmers Insurance offers discounts for business and professional, early shopping, mature driver, multi-car, and pay in full.
- Auto-Owners Insurance may offer discounts for multiple vehicles, group or association, anti-theft, mature driver, safe driver, safe vehicle, and teen driver.
- SAFECO offers premium reductions for anti-theft, multi-car, teen safe driver, drive less, accident prevention training, anti-lock brakes, and homeowner.
The diagram below illustrates the difference between auto insurance rates with and without discounts applied. The premium estimates are based on a male driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with continuous coverage, good student, paperless filing, passive restraint, vehicle safety, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on insurance for 17 year olds is 28% or $503.
Don’t stick with an overpriced policy
Tucson, AZ insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay for coverage. Improving your credit rating, becoming a homeowner, or getting a ticket for running a stop sign may prompt premium changes resulting in some rates now being more affordable than the competition.
Not only may your situation change, but companies file new Arizona auto insurance rates at least once a year to ensure their profitability. Unexpectedly high claims may result in additional premium costs, while better underwriting may cause lower-priced Tucson car insurance rates.
As an example, the chart below shows which companies have the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with no accidents or violations, and a good credit history. If we estimate rates based on her current situation, The Hartford quotes the cheapest car insurance rates in Tucson at $1,062 a year. This is $366 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the top five cheapest Tucson, AZ auto insurance companies.
The example below compares rates after we give the driver in the first example some claims, bad credit, and a couple of points charged on her driving record. Since each auto insurer uses their own method to set their prices, analyzing rates may now present a substantially altered list of affordable Tucson car insurance companies as shown below.
Progressive now has the lowest price in Tucson with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual also being competitive. This example demonstrates why it is important to perform an extensive rate comparison to get the cheapest insurance quotes for 17 year olds. Insurance rates consist of many risk factors and can change without notice, so the cheapest company a year ago may now be an over-priced policy.
How to find more affordable car insurance for 17 year olds
It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help Tucson drivers get lower-cost coverage.
- Accident-free drivers may qualify for discounts
- Save money by observing traffic laws and speed limits
- Higher credit scores may earn you cheaper rates
- Discounts for being claim-free can be substantial
- Safer vehicles generally have cheaper insurance rates
- Comparison shop at least once a year
The last item on the list is very important, as was affirmed in this write-up. Auto insurance rates in Tucson adjust often, so drivers shouldn’t hesitate to switch to a new company if you can find a cheaper rate.
Having a favorite company is fine, but is isn’t recommended if that dedication is costing a considerable chunk of change every month. Now is a great time to compare rates and find cheaper car insurance for 17 year olds.
If you aren’t sure which coverage you need and prefer to have some advice when trying to find the best insurance rates for 17 year olds, the agents shown below are a good start to help you make a decision which car insurance company is the best fit. To locate an agency nearest to you, click the button following the list.
- Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079 - Michael Riley – State Farm Insurance Agent
2050 E Speedway Blvd – Tucson, AZ 85719 – (520) 323-9467 - HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 - Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500